TUOHI Mastercard

With no opening or annual fee, TUOHI Mastercard is a flexible payment card. Mastercard is accepted in Finland and abroad in over 200 countries and about 35 million sales outlets. You can withdraw cash all over the world at ATMs carrying the Mastercard logo.

  • No opening or annual fees. The account management fee of 5 euros is only charged when you have an outstanding credit balance.
  • You get an interest-free payment period of about 30 days on average for all purchases on credit.
  • You can select a credit limit between 2,000 and 10,000 euros.
  • The card includes the free PriceGuard Insurance, which guarantees the cheapest prices on the market for subsequent purchases made with the card in accordance with the insurance terms and conditions.

TUOHI Mastercard – great benefits and features

  • TUOHI Mastercard is a credit card with no opening or annual fee that you can use to pay for your purchases in instalments and to transfer cash from the credit facility to your bank account. The account management fee of 5 euros is only charged when you have an outstanding credit balance.
  • The TUOHI Mastercard charge card and credit card adds flexibility to your finances in case of unexpected situations and enables you to make large purchases. 
  • You will receive a monthly invoice for the transactions on your credit card and you can select the due date of the invoice and the repayment amount (minimum repayment percentage) when filling in the card application. You only pay interest on the amount of credit left unpaid after the due date*. 
  • You can take a payment holiday for two months in a calendar year. 
  • The TUOHI Mastercard credit agreement is usually completed with the vendor when you are making your first purchase.
  • TUOHI Mastercard also automatically includes the free PriceGuard Insurance, which guarantees the cheapest prices on the market for subsequent purchases made with the card in accordance with the insurance terms and conditions.

Read more about the insurance terms and conditions

* The annual percentage rate of charge calculated on a TUOHI Mastercard credit of EUR 1,500 is 27.9%. The calculation uses the 3-month Euribor (June 2019) and it includes the monthly account management fee and the fee for a paper invoice. The interest rate on the credit is the 3-month Euribor + 14%. The account management fee is 5.00 euros. The credit limit is  

2,000–10,000 euros. TUOHI Mastercard is valid until further notice. The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA. 

TUOHI Mastercard for your online shopping

With the TUOHI Mastercard, you can make online purchases once you have enabled its online use in Netbank or through Nordea Customer Service. You can enable online use in Netbank under Cards > Usage area and Internet. 

Manage your card

You can track your credit card transactions easily in Netbank or, if you do not have Nordea’s access codes, through Nordea Finance’s OmaLuotto service (nordearahoitus.fi/omaluotto). You can also check your card’s available balance, change the features of your credit facility and transfer money from your card’s credit facility to your bank account.

In mobile bank, you can see the features included in your card and the available balance as well as transfer money from your card’s credit facility to your bank account. You can also set geographical and online usage restrictions on your card.

If you have Nordea’s access codes, you can choose your own PIN for your card. If you do not have access codes, you can monitor your card transactions and make cash transfers by calling Nordea Customer Service.

Apply for a Nordea TUOHI Mastercard

You can proceed to the TUOHI Mastercard application by clicking the link at the bottom of the page, or alternatively you can submit an application through the Nordea Wallet app. You can download Nordea Wallet to your phone from the App Store or Google Play Store. 

TUOHI Mastercard can be applied for by persons aged 18 and over who are permanent residents in Finland and have a regular income and no payment defaults. 

You can also apply for a TUOHI Mastercard if you are a university student, in which case a regular income is not a condition for applying. The credit limit on a TUOHI Mastercard for students can be up to 2,000 euros. 

Read more about TUOHI Mastercard on the Tuohi.fi websiteOpens new window.

Prices
Prices for cards issued before 1 September 2019